Fidelity Investments offers an Amex Card (Gold) to people with a $5,000.00 deposit in it's Ultra Service Accounts. The U.S.A. comes with a Cheque Book, and debit Cards or Amex Cards, and the money can be withdrawn after you get the cheques and/or debit cards. Fidelity also pays the annual fee for the basic and additional card holder for the Gold Card or credits the same amount if you want a Platinum Card. It seems that Amex treats these accounts as Individuals with High Net Worth and it seems that the qualification is only to have the $5,000.00 in the account, and probably not to have major derogitories. The monthly charges are taken out of the U.S.A. I am not sure if the Card is Reported or not! This account would also be good for anyone listed on Chex Systems!